Знаменитый финтех-стартап с российскими корнями разгоняет штат. людей увольняют под угрозами и оставляют без средств к существованию в разгар пандемии

Алан-э-Дейл       31.08.2022 г.

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If you would like to find out more about which Revolut entity you receive services from, or if you have any other questions, please reach out to us via the in-app chat in the Revolut app. Revolut Bank UAB is a specialised bank established in the Republic of Lithuania. Registered address: Konstitucijos ave. 21B, Vilnius, 08130, the Republic of Lithuania, number of registration 304580906, FI code 70700. Revolut Bank UAB is licensed by the European Central Bank and regulated by the Bank of Lithuania. Revolut Payments UAB is an electronic money institution established in the Republic of Lithuania. Registered address: Konstitucijos ave. 21B, Vilnius, 08130, the Republic of Lithuania, number of registration 304940980, FI Code 32500. Revolut Payments UAB is authorised by the Bank of Lithuania in the Republic of Lithuania and is regulated by the Central Bank of Ireland for conduct of business rules. Insurance related-products for Revolut Payments UAB customers are also provided by Revolut Payments UAB, which is authorised by the Bank of Lithuania to undertake insurance distribution activities. Revolut Ltd (No. 08804411) is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 7 Westferry Circus, Canary Wharf, London, England, E14 4HD. Insurance related-products for Revolut Ltd customers are provided by Revolut Travel Ltd which is authorised by the Financial Conduct Authority to undertake insurance mediation services (FCA No: 780586) and by Revolut Ltd, an Appointed Representative of Revolut Travel Ltd in relation to insurance distribution activities.

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Your whole financial life at your fingertips

Manage your money better with spending analytics

  • Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
  • Connect your other bank accounts to Revolut with Open Banking and manage all your finances in one place

Learn more about Budgeting

Get daily discounts and cashback

  • Save money every day with Rewards
  • Earn rewards you’ll actually use on travel, retail, restaurants and more
  • Unlock new offers when you use your Revolut cards

Learn more about Rewards

Send money all over the world instantly, without hidden fees

  • Send, request money, or split bills with friends and family instantly, whether they’re across the table or across the globe
  • Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above 5,000zł each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair

Reach your financial goals faster with Personal Vaults

  • Putting money aside for a new laptop, or maybe just a rainy day? Reach your goals faster with a Personal Vault
  • Round payments and save your spare change, or make a one-off or recurring transfer. It’s up to you. This is savings made simple
  • Set financial goals and deadlines to help you stay on track with your progress
  • Start a Group Vault and reach that common goal faster, together

Learn more about Vaults

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

Buy crypto and gold in seconds

  • Get gold and buy crypto, no extra app needed
  • Exchange a number of cryptocurrencies into any fiat currency
  • See crypto rates in real time, and set up price alerts
  • Up to a maximum of €15,000 per single cryptocurrency exchange and 30 exchanges per day
  • Revolut’s cryptocurrency service is not regulated by the FCA

Learn more about Cryptocurrencies

Learn more about Commodities

We’re 7x better than the banks at stopping card fraud

  • Lost your card? Freeze and unfreeze your card easily in the app
  • You’re in control – toggle contactless, swipe, online payments or ATM withdrawals easily
  • Our award-winning anti-fraud systems keep fraudulent transactions under 0.01%, which is 7 times better than banks.

Learn more about Security

Pay like a local – get the real exchange rate

  • Spend abroad in over 150 currencies at the Real (interbank) exchange rates – with no hidden fees
  • Withdraw cash abroad without extra charges

Join our global community and get access to a better way to manage your money

Choose your plan

No surprises, just fair and honest pricing. Simply choose a plan with the features that you want, or compare plans

PLN 49.99/ month

Your whole financial life at your fingertips

Manage your money better with spending analytics

  • Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
  • Connect your other bank accounts to Revolut with Open Banking and manage all your finances in one place

Learn more about Budgeting

Get daily discounts and cashback

  • Save money every day with Rewards
  • Earn rewards you’ll actually use on travel, retail, restaurants and more
  • Unlock new offers when you use your Revolut cards

Learn more about Rewards

Send money all over the world instantly, without hidden fees

  • Send, request money, or split bills with friends and family instantly, whether they’re across the table or across the globe
  • Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above €1,000 each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair

Reach your financial goals faster with Personal Vaults

  • Putting money aside for a new laptop, or maybe just a rainy day? Reach your goals faster with a Personal Vault
  • Round payments and save your spare change, or make a one-off or recurring transfer. It’s up to you. This is savings made simple
  • Set financial goals and deadlines to help you stay on track with your progress
  • Start a Group Vault and reach that common goal faster, together

Learn more about Vaults

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

Buy crypto and gold in seconds

  • Get gold and buy crypto, no extra app needed
  • Exchange a number of cryptocurrencies into any fiat currency
  • See crypto rates in real time, and set up price alerts
  • Up to a maximum of €15,000 per single cryptocurrency exchange and 30 exchanges per day
  • Revolut’s cryptocurrency service is not regulated by the FCA

Learn more about Cryptocurrencies

Learn more about Commodities

We’re 7x better than the banks at stopping card fraud

  • Lost your card? Freeze and unfreeze your card easily in the app
  • You’re in control – toggle contactless, swipe, online payments or ATM withdrawals easily
  • Our award-winning anti-fraud systems keep fraudulent transactions under 0.01%, which is 7 times better than banks.

Learn more about Security

Pay like a local – get the real exchange rate

  • Spend abroad in over 150 currencies at the Real (interbank) exchange rates – with no hidden fees
  • Withdraw cash abroad without extra charges

Join our global community and get access to a better way to manage your money

Choose your plan

No surprises, just fair and honest pricing. Simply choose a plan with the features that you want, or compare plans

€13.99/ month

С чего все началось

14 апреля 2020 г. Revolut сообщила о возможном сокращении числа сотрудников. При этом она заявила, что постарается уменьшить число увольнений путем сокращения расходов на аутсорсинг.

В Москве создана крупнейшая в мире сеть площадок для тестирования инноваций
Инновации и стартапы

В качестве дополнительной меры по сохранению прежнего числа работников, пишет Wired, руководство Revolut предложило сотрудникам добровольно пожертвовать часть зарплаты в обмен на акции компании. При этом акции можно было обменять на любой процент зарплаты, даже на 100%. Некоторые сотрудники польского и португальского отделений сообщили, что были не против принять участие в этой программе, но другие отметили, что были вынуждены сделать это, оказавшись под давлением.

Revolut — это финтех-компания с оценкой более $5,5 млрд

Акции компании были оценены в $121 за штуку. Выбрать эту схему по тем или иным причинам пришлось 60% сотрудников компании. В итоге это позволит компании экономить приблизительно по $900 тыс. ежемесячно в течение целого года.

Собеседник издания в отделе кадров стартапа сообщил, что люди постоянно находятся в страхе перед возможным увольнением. По его словам, некоторым сотрудникам даже пришлось пожертвовать 10% своей зарплаты в обмен на акции. «Конечно, руководство не говорит прямыми словами, что не будет увольнять сотрудников, участвующих в “акции”. Но посыл здесь приблизительно такой – если вы пожертвуете свои деньги, увольнения прекратятся», – добавил он.

Your whole financial life at your fingertips

Manage your money better with spending analytics

  • Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
  • Connect your other bank accounts to Revolut with Open Banking and manage all your finances in one place

Learn more about Budgeting

Get daily discounts and cashback

  • Save money every day with Rewards
  • Earn rewards you’ll actually use on travel, retail, restaurants and more
  • Unlock new offers when you use your Revolut cards

Learn more about Rewards

Send money all over the world instantly, without hidden fees

  • Send, request money, or split bills with friends and family instantly, whether they’re across the table or across the globe
  • Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above 5,000 lei each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair

Reach your financial goals faster with Personal Vaults

  • Putting money aside for a new laptop, or maybe just a rainy day? Reach your goals faster with a Personal Vault
  • Round payments and save your spare change, or make a one-off or recurring transfer. It’s up to you. This is savings made simple
  • Set financial goals and deadlines to help you stay on track with your progress
  • Start a Group Vault and reach that common goal faster, together

Learn more about Vaults

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

Buy crypto and gold in seconds

  • Get gold and buy crypto, no extra app needed
  • Exchange a number of cryptocurrencies into any fiat currency
  • See crypto rates in real time, and set up price alerts
  • Up to a maximum of €15,000 per single cryptocurrency exchange and 30 exchanges per day
  • Revolut’s cryptocurrency service is not regulated by the FCA

Learn more about Cryptocurrencies

Learn more about Commodities

We’re 7x better than the banks at stopping card fraud

  • Lost your card? Freeze and unfreeze your card easily in the app
  • You’re in control – toggle contactless, swipe, online payments or ATM withdrawals easily
  • Our award-winning anti-fraud systems keep fraudulent transactions under 0.01%, which is 7 times better than banks.

Learn more about Security

Pay like a local – get the real exchange rate

  • Spend abroad in over 150 currencies at the Real (interbank) exchange rates – with no hidden fees
  • Withdraw cash abroad without extra charges

Join our global community and get access to a better way to manage your money

Choose your plan

No surprises, just fair and honest pricing. Simply choose a plan with the features that you want, or compare plans

RON 54.99/ month

Обзор компании

Основатели Revolut — Николай Сторонский и Влад Яценко. Сторонский родился в России, но с 20 лет живет в Великобритании и является ее гражданином. Яценко имеет британско-украинское происхождение и живет в Соединенном Королевстве с 2010 года.

Прежде чем основать стартап, Сторонский работал на Credit Suisse и международную финансовую компанию Lehman Brothers Holdings Inc, а Яценко пять лет создавал финансовые системы для крупных инвестбанков.

Основатели рассказывают, что начали свой проект, поскольку их разочаровало, как долго традиционные банки внедряют цифровые сервисы для молодых клиентов, предпочитающих проводить все операции через смартфон.

Стартап Revolut был запущен в июле 2015 года на базе технологического акселератора Level39. Яценко занимает должность  CTO,  а Сторонский — CEO компании.

Your whole financial life at your fingertips

Manage your money better with spending analytics

  • Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
  • Connect your other bank accounts to Revolut with Open Banking and manage all your finances in one place

Learn more about Budgeting

Get daily discounts and cashback

  • Save money every day with Rewards
  • Earn rewards you’ll actually use on travel, retail, restaurants and more
  • Unlock new offers when you use your Revolut cards

Learn more about Rewards

Send money all over the world instantly, without hidden fees

  • Send, request money, or split bills with friends and family instantly, whether they’re across the table or across the globe
  • Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above €1,000 each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair

Reach your financial goals faster with Personal Vaults

  • Putting money aside for a new laptop, or maybe just a rainy day? Reach your goals faster with a Personal Vault
  • Round payments and save your spare change, or make a one-off or recurring transfer. It’s up to you. This is savings made simple
  • Set financial goals and deadlines to help you stay on track with your progress
  • Start a Group Vault and reach that common goal faster, together

Learn more about Vaults

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

We’re 7x better than the banks at stopping card fraud

  • Lost your card? Freeze and unfreeze your card easily in the app
  • You’re in control – toggle contactless, swipe, online payments or ATM withdrawals easily
  • Our award-winning anti-fraud systems keep fraudulent transactions under 0.01%, which is 7 times better than banks.

Pay like a local – get the real exchange rate

  • Spend abroad in over 150 currencies at the Real (interbank) exchange rates – with no hidden fees
  • Withdraw cash abroad without extra charges

Join our global community and get access to a better way to manage your money

No surprises, just fair and honest pricing. Simply choose a plan with the features that you want, or compare plans

Показатели деятельности

2020: Рост выручки до £222,1 млн, убытки — £201 млн

Revolut закончила 2020 год с выручкой в размере £222,1 млн, что на треть больше, чем годом ранее. Убытки компании увеличились почти вдвое и составили £201 млн.

Растущие денежные потери связаны с расходами на развитие бизнеса и расширение численности персонала. Административные затраты стартапа в 2020 году поднялись до £266 млн ($369 млн) со £125 млн ($173 млн) в 2019-м. Из этой суммы £170 млн ($236 млн) пришлось на расходы на сотрудников, что почти втрое больше трат годичной давности. Кроме того, Revolut стал больше расходовать средств на такие направления, как управление рисками и комплаенс.

У британского финтех-стартапа с российскими корнями Revolut за 2020 год удвоились убытки

Как сообщает Bloomberg со ссылкой на отчетность Revolut, данные о доходах были скорректированы с учётом прироста справедливой стоимости криптовалютных активов, так как Revolut держит некоторые криптоактивы на своём балансе. Выручка компании от операций с криптовалютой составила $54 млн.

К концу 2020 года количество розничных клиентов год к году выросло на 45% и составило 14,5 млн, число коммерческих — выросло вдвое до 500 тысяч.

Revolut рассчитывает получить банковскую лицензию в Британии в 2022 году. Кроме того, стартап подал аналогичную заявку в США. Также Revolut работает над расширением бизнеса и может выйти на рынки Латинской Америки, Филиппин, Индонезии, Южной Кореи и Индии. При этом листинг на фондовой бирже не входит в ближайшие планы стартапа (к июню 2021 года).

Крупнейшим рынком Revolut по-прежнему остается Великобритания, отмечает TechCrunch. Более 88% нескорректированной выручки стартапа в 2020 году было связано с деятельностью именно в этой стране. Остальная Европа составляла 10,2% выручки, а рынки Японии, Австралии и США были почти несущественными.

По данным Bloomberg, Revolut планирует привлечь новую порцию инвестиций при оценке бизнеса в $20 млрд.

2019: Увеличение годовых убытков в 3 раза

Revolut завершила 2019 год с выручкой в размере 162,7 млн фунтов стерлингов (около $212,2 млн по курсу на 12 августа 2020 года), что на 180% превосходит продажи годичной давности, которые равнялись 52,8 млн фунтов стерлингов.

Чистые убытки цифрового банка с российскими корнями в 2019 году составили 106,5 млн фунтов стерлингов ($139,6 млн), увеличившись втрое в сравнении с 2018-м. Тогда денежные потери стартапа составляли 32,9 млн фунтов стерлингов.

Существенно выросшие убытки в Revolut связали с расходами на выход на зарубежные рынки и запуск новых продуктов. В 2019 году компания запустила сервис торговли акциями без комиссии, чтобы конкурировать с онлайн-брокерами, а также своё приложение в США, Сингапуре и Австралии. Кроме того, Revolut увеличила затраты на персонал, размер которого за год возрос с 633 до 2261 человека.

У цифрового банка Revolut утроились годовые убытки

Основатель компании, выходец из России Николай Сторонский заявил, что «доволен» прошлогодними успехами компании — несмотря на большие расходы, динамика стратапа не замедлилась.

Как сообщает телеканал CNBC, по количеству пользователей Revolut обошел своих конкурентов — TransferWise и Monzo. По данным компании, общая аудитория сервиса Revolut к концу 2019 года утроилась — до 10 млн пользователей с 3,5 млн годом ранее. Число активных клиентов в день выросло на 231%, а количество платящих клиентов — на 139%, подчеркнул Сторонский. К августу 2020 года аудитория Revolut превысила 13 млн клиентов.

Revolut заявила, что несмотря на пандемию коронавируса COVID-19 динамика развития бизнеса компании не замедлилась.

И 2019 год, и первые месяцы 2020 года были периодами значительных достижений и расширения для Revolut, что поставило компанию на четкий путь к долгосрочному устойчивому росту, — заявил председатель Revolut Мартин Гилберт, комментируя финансовые итоги.

Your whole financial life at your fingertips

Manage your money better with spending analytics

  • Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track
  • Connect your other bank accounts to Revolut with Open Banking and manage all your finances in one place

Learn more about Budgeting

Get daily discounts and cashback

  • Save money every day with Rewards
  • Earn rewards you’ll actually use on travel, retail, restaurants and more
  • Unlock new offers when you use your Revolut cards

Learn more about Rewards

Send money all over the world instantly, without hidden fees

  • Send, request money, or split bills with friends and family instantly, whether they’re across the table or across the globe
  • Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above €1,000 each month. A flat mark-up on weekends and on certain currencies may apply, it’s only fair

Reach your financial goals faster with Personal Vaults

  • Putting money aside for a new laptop, or maybe just a rainy day? Reach your goals faster with a Personal Vault
  • Round payments and save your spare change, or make a one-off or recurring transfer. It’s up to you. This is savings made simple
  • Set financial goals and deadlines to help you stay on track with your progress
  • Start a Group Vault and reach that common goal faster, together

Learn more about Vaults

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

“I travel a lot. Revolut has saved me a fortune in currency exchange fees.”

Kay Hall

“Finally back home in UK after two wks in the US. Very impressed with first use of Revolut.”

Jay

“I recommend @RevolutApp to anyone. Use the debit card abroad, no charges, best exchange rate.”

Jo H

“Loving using @RevolutApp. Obvious savings on FX but also excellent analytics. I think I’ll use Revolut exclusively for travel expenses.”

@srdiaries

“Flying to isn’t stopping @linuz90 from sending me with Revolut”

Francesco Di Lorenzo

“If you haven’t heard about Revolut yet…it’s easy to split bills with friends, request money and create virtual cards for online purchases”

Marc Köhlbrugge

We’re 7x better than the banks at stopping card fraud

  • Lost your card? Freeze and unfreeze your card easily in the app
  • You’re in control – toggle contactless, swipe, online payments or ATM withdrawals easily
  • Our award-winning anti-fraud systems keep fraudulent transactions under 0.01%, which is 7 times better than banks.

Learn more about Security

Pay like a local – get the real exchange rate

  • Spend abroad in over 150 currencies at the Real (interbank) exchange rates – with no hidden fees
  • Withdraw cash abroad without extra charges

Join our global community and get access to a better way to manage your money

No surprises, just fair and honest pricing. Simply choose a plan with the features that you want, or compare plans

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